The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
If you cash in your term life insurance policy, your coverage ends. There may be return of premiums at the end of the contract if that rider was selected. If the term life insurance policy can be converted to a permanent cash value policy, it may have value on the life settlement market. Answered on July 21, 2013. +0.